Every financially active adult in the country has a credit report from which lenders formulate a credit score.
Your personal finance history and the information you provide on the credit application will be used to formulate your credit score.
Creditors obtain your personal finance history from your credit report. It details any credit card, loan, mortgage, mobile phone, utility bill (plus any other credit repayments) and how many times you have either paid them late or not paid them at all, along with any County Court Judgements (CCJs) against your name.
It tells creditors if you are on the Electoral Roll at your current address, details your previous addresses and shows your Date of Birth. It will also contain the details of your bank accounts, the names of organisations that have viewed your report and the names of those people that you hold joint accounts with.